Rental car insuranceReserve and pay for your rental car with your credit card to get 31 days of protection worldwide. Save money by saying no at the counter — rent with your covered USAA credit card and get built-in auto rental coverage.Carried by 186 of 581 cards in the catalog
USAA
USAA Cashback Rewards Plus American Express®
$0 a yearEverything this card owes you
0statement credits
$0at face value, a year
9protections included
3spend categories that earn extra
0 of those 0 credits pay nothing until they are activated.
What the number is made of
Your card carries $0 in credits.
Not points and not a valuation. Statement credits with real dollar amounts, attached to real things — a hotel night, a dinner, a membership, a flight you were taking anyway.
The card year
Every credit, on its own clock
The fee is the debit and every credit pays it back — but only inside the window it is live. Mark what you would really use and watch both the calendar and the balance change.
Selections start at “Never.” “Sometimes” counts a credit at 50% of its annual value; “I'd use this” counts it in full. Several of these credits have to be switched on in the issuer's app before they pay anything — that's the “needs activation” tag below.
You get back$0Nothing selected yet — mark the credits you would use above.
Annual fee$0Charged in full, every year, whether you collect or not.
Your effective annual fee$0What the card really costs you once your credits are counted.
Window you would useWindow you would notCard anniversary, not the calendar
Activation
Benefits require activation. We make it easy to enroll in each perk.
Most premium card credits don't start paying automatically. Turn one on in the issuer's app before you count on it.
$0Mark the credits you would use above and this shows what has to be switched on before it pays.Get started — track your activations
What you're covered for
The protections, and how rare they are
These carry no honest dollar value, so they stay out of the ledger above. What they have instead is scarcity: most cards don't carry them.
8 protections included on this card
Rental car insuranceReserve and pay for your rental car with your credit card to get 31 days of protection worldwide. Save money by saying no at the counter — rent with your covered USAA credit card and get built-in auto rental coverage.Carried by 186 of 581 cards in the catalog
Cell phone protectionWhen you charge your monthly cell phone bill to your USAA credit card, you can be reimbursed up to $500, in the event your eligible cell phone is stolen or damaged.Carried by 57 of 581 cards in the catalog
Purchase protectionSafeguard your new item against theft or damage for the first 90 days from the date of purchase with Purchase Security available when you pay with your eligible account.Carried by 146 of 581 cards in the catalog
Extended warrantyExtends the time period of the U.S. manufacturer’s warranty on items purchased with your card. Get up to an additional year of coverage.Carried by 178 of 581 cards in the catalog
Travel & emergency assistanceIf you experience an illness or emergency, while traveling or working anywhere in the world, call the benefits center for help, 24/7. You can also get medical and legal referrals, prescription assistance, travel planning and other services.Carried by 342 of 581 cards in the catalogWhat you get in
Access and status
1 access and status perk on this card
Concierge serviceNeed advice on restaurants or gifts? Are you trying to arrange travel or concert tickets? This exclusive service for USAA Visa Signature® credit cards gives you 24/7 access to a concierge who can guide you.Carried by 198 of 581 cards in the catalogBefore the card arrives
Track this one from day one
Seven to ten days pass between applying and the card landing. The wallet is built before it arrives — every credit, every reset date, and the 0 activation steps that decide whether the first month pays anything.
Build my wallet
We'll hold the answers you gave above.
Where these figures come from
Verified, drafted, and dated
All 0 credit values on this page reconcile to the published catalog total of $0. Reset cadence, activation requirements, and shared-versus-per-user status come from the same catalog, not a separate estimate.
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